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The bottom line Money market and xed income investments are not generally tax-smart because interest income is downright ugly from a tax perspective Equities, on the other hand, make more sense from a tax perspective since capital gains are taxed at much lower rates In fact, only half of any capital gains you realize will have to be included in your income This capital gains inclusion rate used to be 75 percent prior to the 2000 federal budget Want proof that portfolio make-up can make a difference in your wealth accumulation Check out Joel s numbers
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oel has $100,000 to invest for a 20-year period He can earn a 10-percent rate of return annually over that time Joel s marginal tax rate is 45 percent He
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plans to liquidate the portfolio at the end of 20 years How much will he have at that time after all taxes have been paid It depends on the type of income he ll be earning that is, on the make-up of his portfolio If Joel were to invest strictly in interest-bearing vehicles, he d have $236,597 in his pocket after taxes at the end of 20 years On the other hand, if Joel were to invest exclusively in equity investments that grow in value but are not taxed until he liquidates his portfolio, he would have $383,724 after taxes at the end of that time That is, Joel would have a full $147,127, or 622 percent, more at the end of 20 years by changing the make-up of his portfolio His after-tax portfolio will nearly double in this case! The following table says it all
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P O RT F O L I O M A K E - U P M AT T E R S $100,000 Invested for 20 Years Portfolio Make-Up Money Market Balanced Equity
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(100% interest income) (50% interest, 50% deferred capital gains) (100% deferred capital gains)
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Balance Before Taxes $236,597 $333,035 $466,096
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Balance After Taxes $236,597 $299,207 $383,724
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Assumptions: $100,000 invested; 8% pre-tax annual rate of return; portfolio is liquidated after 20 years; marginal tax rate is 45%; capital gains inclusion rate is 50%
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Portfolio Turnover Matters
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In addition to portfolio make-up, the turnover of your portfolio is critical as well Every time you liquidate an investment and then reinvest the money, you ve turned over that investment The more selling and buying that goes on in your portfolio, the higher your rate of turnover The problem with turnover is that each sale is a taxable event when it takes place outside of a registered plan If taxes are triggered, it leaves you with less money to reinvest This means that your next investment has to perform better than you might have thought: It has to provide you with the rate of return you re expecting, but must go further, to replace the dollars you paid in taxes from liquidating the previous investment Sure, taxes may eventually be paid on your gains, but it s better to defer the tax to the future than to prepay tax today it s a timing issue You need to know that turnover can take place at two levels: the investor level, and the money manager level That is, there are generally two culprits who can be accused of turning over your investments: you, and/or the money manager (typically the mutual fund manager where you re invested in funds) You create turnover every time you choose to sell a security that you hold in your portfolio, whether it s a stock, bond, mutual fund, or some other investment The money
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Dividends from Canadian companies are taxed at much lower rates than interest income As a result, many investors think that they re investing in a tax-smart manner when they re earning these dividends This may not be true You see, if you need a cash ow from your investments, then earning dividends from Canadian companies can be a good idea But if you have no need for this cash ow, then receiving dividends annually is creating a tax bill that you could be avoiding You could instead be investing for longterm growth so that you ll defer your tax hit until you sell the investments, and you ll face tax at the lower rates that apply to capital gains Now that s tax-smart
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manager creates turnover in the same way by selling securities inside the fund you re holding In either case, guess who pays the tax on any taxable capital gains realized You got it: You pay the tax Let s look at Don s example It ll help you to understand the difference that turnover can make over the long run
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